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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt No Debt
VABK's Cash-to-Debt is ranked higher than
98% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.12 vs. VABK: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
VABK' s Cash-to-Debt Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.11
VABK's Equity-to-Asset is ranked lower than
55% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. VABK: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
VABK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.11 Max: 0.13
Current: 0.11
0.09
0.13
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Net Margin % 26.85
VABK's Net Margin % is ranked higher than
56% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.23 vs. VABK: 26.85 )
Ranked among companies with meaningful Net Margin % only.
VABK' s Net Margin % Range Over the Past 10 Years
Min: 9.47  Med: 18.31 Max: 26.85
Current: 26.85
9.47
26.85
ROE % 11.86
VABK's ROE % is ranked higher than
66% of the 1631 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. VABK: 11.86 )
Ranked among companies with meaningful ROE % only.
VABK' s ROE % Range Over the Past 10 Years
Min: 3.2  Med: 9.47 Max: 12.82
Current: 11.86
3.2
12.82
ROA % 1.22
VABK's ROA % is ranked higher than
64% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. VABK: 1.22 )
Ranked among companies with meaningful ROA % only.
VABK' s ROA % Range Over the Past 10 Years
Min: 0.36  Med: 0.95 Max: 1.35
Current: 1.22
0.36
1.35
3-Year Revenue Growth Rate 15.10
VABK's 3-Year Revenue Growth Rate is ranked lower than
87% of the 1453 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.40 vs. VABK: 15.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
VABK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6.8  Med: 15.1 Max: 31.4
Current: 15.1
-6.8
31.4
3-Year EPS without NRI Growth Rate 57.00
VABK's 3-Year EPS without NRI Growth Rate is ranked lower than
73% of the 1339 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. VABK: 57.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
VABK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -15.5  Med: 29.4 Max: 57
Current: 57
-15.5
57
GuruFocus has detected 3 Warning Signs with Virginia National Bankshares Corp VABK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» VABK's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:MRBK, OTCPK:RIVE, OTCPK:FBTT, OTCPK:EFSI, NAS:CIZN, OTCBB:CSBB, OTCPK:MCBI, OTCPK:CPKF, NAS:EBMT, OTCPK:FMBM, NAS:SAL, NAS:GFED, NAS:SSFN, OTCPK:CHBH, NAS:CWAY, NAS:LARK, NAS:BKSC, OTCPK:BKGMF, OTCPK:TYCB, NAS:SBFG » details
Headquarter Location:USA
Virginia National Bankshares Corp offers a full range of banking and related financial services, including checking accounts, NOW accounts, money market and deposit accounts, and other depository services.

Virginia National Bankshares Corp is a bank holding company which is engaged in commercial and retail banking business. The Bank offers a range of banking and related financial services, including checking accounts, negotiable order of withdrawal accounts, money market deposit accounts, certificates of deposit, individual retirement accounts and other depository services. Its segments include the Bank and VNB Wealth Management (VNB Wealth). The Bank's commercial banking activities involve making loans, taking deposits and offering related services to individuals and businesses. The VNB Wealth segment includes investment management, wealth advisory, and trust and estate services. It also offers short to long-term commercial, real estate, and consumer loans.

Ratios

vs
industry
vs
history
PE Ratio 15.33
VABK's PE Ratio is ranked higher than
51% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.27 vs. VABK: 15.33 )
Ranked among companies with meaningful PE Ratio only.
VABK' s PE Ratio Range Over the Past 10 Years
Min: 6.8  Med: 15.94 Max: 33.98
Current: 15.33
6.8
33.98
PE Ratio without NRI 15.33
VABK's PE Ratio without NRI is ranked higher than
51% of the 1499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.29 vs. VABK: 15.33 )
Ranked among companies with meaningful PE Ratio without NRI only.
VABK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.8  Med: 15.94 Max: 33.98
Current: 15.33
6.8
33.98
Price-to-Owner-Earnings 13.66
VABK's Price-to-Owner-Earnings is ranked lower than
52% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. VABK: 13.66 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
VABK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.6  Med: 18.2 Max: 44.04
Current: 13.66
5.6
44.04
PB Ratio 1.71
VABK's PB Ratio is ranked lower than
65% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. VABK: 1.71 )
Ranked among companies with meaningful PB Ratio only.
VABK' s PB Ratio Range Over the Past 10 Years
Min: 0.67  Med: 1.05 Max: 2.46
Current: 1.71
0.67
2.46
PS Ratio 4.08
VABK's PS Ratio is ranked lower than
54% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. VABK: 4.08 )
Ranked among companies with meaningful PS Ratio only.
VABK' s PS Ratio Range Over the Past 10 Years
Min: 1.45  Med: 2.62 Max: 4.99
Current: 4.08
1.45
4.99
Price-to-Free-Cash-Flow 11.55
VABK's Price-to-Free-Cash-Flow is ranked lower than
62% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. VABK: 11.55 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
VABK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.46  Med: 10.89 Max: 21.99
Current: 11.55
3.46
21.99
Price-to-Operating-Cash-Flow 11.05
VABK's Price-to-Operating-Cash-Flow is ranked lower than
64% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.67 vs. VABK: 11.05 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
VABK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.39  Med: 11.14 Max: 24.56
Current: 11.05
4.39
24.56
EV-to-Revenue 3.77
VABK's EV-to-Revenue is ranked higher than
61% of the 1276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.24 vs. VABK: 3.77 )
Ranked among companies with meaningful EV-to-Revenue only.
VABK' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.3  Med: 1.5 Max: 4.1
Current: 3.77
0.3
4.1
Shiller PE Ratio 26.48
VABK's Shiller PE Ratio is ranked lower than
58% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. VABK: 26.48 )
Ranked among companies with meaningful Shiller PE Ratio only.
VABK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 20.26  Med: 22.96 Max: 26.74
Current: 26.48
20.26
26.74

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.74
VABK's Dividend Yield % is ranked lower than
93% of the 2465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. VABK: 0.74 )
Ranked among companies with meaningful Dividend Yield % only.
VABK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.28  Med: 1.28 Max: 1.88
Current: 0.74
0.28
1.88
Dividend Payout Ratio 0.11
VABK's Dividend Payout Ratio is ranked higher than
86% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. VABK: 0.11 )
Ranked among companies with meaningful Dividend Payout Ratio only.
VABK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.2 Max: 0.39
Current: 0.11
0.06
0.39
3-Year Dividend Growth Rate 1.80
VABK's 3-Year Dividend Growth Rate is ranked higher than
95% of the 836 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. VABK: 1.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
VABK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 48.4
Current: 1.8
0
48.4
Forward Dividend Yield % 1.61
VABK's Forward Dividend Yield % is ranked lower than
79% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. VABK: 1.61 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.74
VABK's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.25 vs. VABK: 0.74 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
VABK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.28  Med: 1.28 Max: 1.88
Current: 0.74
0.28
1.88
3-Year Average Share Buyback Ratio 3.60
VABK's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 1082 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 vs. VABK: 3.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
VABK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.2  Med: -2.7 Max: 4.1
Current: 3.6
-6.2
4.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.73
VABK's Price-to-Tangible-Book is ranked lower than
60% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. VABK: 1.73 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
VABK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.68  Med: 1.7 Max: 3.04
Current: 1.73
0.68
3.04
Price-to-Intrinsic-Value-Projected-FCF 1.02
VABK's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
54% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. VABK: 1.02 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
VABK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.46  Med: 0.58 Max: 1.28
Current: 1.02
0.46
1.28
Price-to-Median-PS-Value 1.56
VABK's Price-to-Median-PS-Value is ranked lower than
71% of the 1419 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. VABK: 1.56 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
VABK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 1.34 Max: 2.5
Current: 1.56
0.57
2.5
Price-to-Graham-Number 1.09
VABK's Price-to-Graham-Number is ranked higher than
50% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. VABK: 1.09 )
Ranked among companies with meaningful Price-to-Graham-Number only.
VABK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.45  Med: 1.34 Max: 2.14
Current: 1.09
0.45
2.14

More Statistics

Revenue (TTM) (Mil) $28.36
EPS (TTM) $ 2.93
Beta0.31
Volatility16.91%
52-Week Range $30.67 - 47.62
Shares Outstanding (Mil)2.54

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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